Saturday, July 18, 2015

Should HIV Positive Persons Get Life Insurance?



Given that death rates of HIV positive individuals have fallen during the past few years, should they be given access to life insurance? 

By:  Ringo Bones 

The good news is, the death rates of persons who are diagnosed as HIV positive have fallen by as much as 40 percent around the world since 2005. The bad news is that there are still some insurance providers who deny them life insurance. Since the 1980s, patients who are diagnosed to be HIV positive have been denied access to fully underwritten traditional life insurance. But as death rates in HIV positive diagnosed persons continue to fall due to the advent of affordable and increased access to anti-retroviral medication, life insurance underwriting for HIV positive diagnosed persons are now available. 

Ross Deerman, chef executive of All Life provides mortgage and life insurance policies to HIV positive diagnosed persons / AIDS survivors during the past few years in South Africa. During the past five years, death rates of HIV positive diagnosed persons on the African content have fallen by as much as 58-percent but the stigma still remains on traditional insurance underwriters not granting life insurance policies to HIV / AIDS survivors. All Life’s program / business model of giving HIV Positive persons access to fully underwritten traditional life insurance has already spread to other countries with local All Life branches. Maybe insurance providers should also offer healthcare packages designed for lower income HIV positive persons that allow them greater access to anti-retroviral medication. 

1 comment:

spencer john said...

I have been HIV positive for 6 years and long for the day to be
free of this disease. I would love to be part of any trial that
helped find the cure, i have an undetectable viral load and CD4
count of around 1100. I have tried almost everything but I
couldn't find any solution on my disease, despite all these
happening to me, i always spend a lot to buy a HIV drugs from
hospital and taking some several medications but no relieve,
until one day i was just browsing on the internet when i came
across a great post of !Mechelle rose ! who truly said that she
was been diagnose with HIV and was healed that very week
through the help of this great powerful healing spell doctor ,I
wonder why he is called the great Dr, adigba , i never knew it was
all because of the great and perfect work that he has been doing
that is causing all this. so I quickly contacted him, and he ask
me some few questions and so i did all the things he asked me
to do,He ask me to buy some herbs and which I did for my
cure,only to see that at the very day which he said i will be
healed, all the strength that has left me before rush back and i
becomes very strong and healthy, this disease almost kills my
life all because of me, so i went to hospital to give the final test
to the disease and the doctor said i am HIV negative, i am very
amazed and happy about the healing doctor adigba gave to me
from the ancient part of Africa, you can email him now for your
own healing too on his email: dr.adigbaspelltemple@gmail.com or whatsapp him@+2347064810223 thanks